Which type of insurance primarily protects against disability from non-work-related accidents?

Disability income insurance is designed to provide financial support to individuals who are unable to work due to illness or disability that is not necessarily related to their occupation. This type of insurance focuses on replacing a portion of lost income when a policyholder is unable to perform their regular job functions due to a non-work-related incident, such as an illness or an accident occurring outside of the workplace.

The primary purpose of disability income insurance is to help individuals maintain their standard of living by providing benefits that can cover living expenses while they recover. This is particularly important because many individuals may find themselves facing financial difficulties if they are unable to work for an extended period.

In contrast, workers' compensation insurance specifically covers employees who are injured or become ill due to their job-related duties. Health insurance generally covers a wide range of medical expenses but does not necessarily provide income replacement in the event of a disability. Accidental death and dismemberment insurance, on the other hand, offers benefits specifically in cases of death or loss of limbs due to an accident, rather than providing income support for disabilities. Thus, disability income insurance is the correct choice for protection against non-work-related accidents leading to disability.